I advocate for separation. It is very convenient when both earn well - well, so that you don't refuse anything, and still remains for savings. My husband and I had different times - then he provided me, then I provided him, then everything was fine with both, but we always had personal bank accounts and cards, and one common account for an emergency. You can live and not bite for money. I know from experience that if he stops, he will put everything up to a penny to help me, and I will do the same for him. And while it doesn’t hold, I personally like to have my own money and manage it purely at my discretion. For example, buy a costly surprise gift to your husband (which he wanted very much, but the frog was suffocating on him), and do not encrypt with any tricks.

This is not "a separate budget". It is just a joint budget with pocket money. You are lucky if your pocket money is enough to buy a property. Most of them only for travel, pads/cigarettes.